Tradesman Insurance

Get Tradesman Insurance Quotes with one simple form

Why do I/you need Tradesman Insurance?

Self-employed trades and small businesses

As a tradesman you need insurance to meet minimum legal requirements. Tradesman policies bundle cover to meet legal requirements and the significant risks relevant to your trade.

Employers liability insurance, for example, is compulsory if you have employees, it protects them and you. Commercial vehicle insurance is familiar and may be an option. Public liability insurance will generally be included too, usually *main contractors specify a minimum value required.

Trade policies are designed with some standardisation in mind, this makes deciding on options and buying simpler.

Why do I need "Tradesman Cover"

You can usually buy specific individual insurances to cover individual risks, but managing this can be a nightmare because of different expiry dates, responsibilities etc. So like many things in life there is a simpler solution - a policy designed for your industry.

Insurance companies understand simpler something is then generally the lower the cost, more sales and cheaper the price. Tradesman cover is designed to keep questions and policy options relevant so you find the best policy quickly.

You generally need to specify or select your trade and give basic details or select options relevant to your needs and you much closer to finding a price.

The policy cost is the match based on the details you give and options chosen.

The following insurance products may or may not appear in your particular trade package. Independent insurance brokers can also to track down the best insurance package deal for you.

Tradesman policies can include cover against the following risks:

If your level of knowledge about the cover is not detailed it may be worth reading a little more see if you need add-ons to the policy you go for.

Just like deciding on 3rd party or fully comp. you can tailor packages slightly until you are happy with the balance between risk / cost and/or contractor's requirements.

Cover too little and you could end up unable to carry on your trade if you suffer a particularly heavy loss, for example, being bumped by an uninsured driver. But pay for more than you need and your costs rise.

*Sub-Contracted Tradesmen

Sub-contractors often have a main contractor specify a minimum value of insurance cover and expect to see the policy certificate. Your cover helps a main contractor share risk and it ensures legal accountability of sub contractors should they cause loss.